What happens if an insured property is left unoccupied for more than 60 days?

When an insured property is left unoccupied for more than 60 days, it can lead to a termination of coverage due to an increased risk associated with vacant properties. Insurance policies often include specific clauses that outline how long a property can remain unoccupied before certain coverage limitations or exclusions kick in.

In many cases, insurers recognize that unoccupied properties are more susceptible to risks such as vandalism, theft, or undetected maintenance issues. As a result, if the property is unoccupied for an extended period, such as beyond the 60-day threshold, the insurer may choose to modify or terminate the policy coverage to mitigate their risk exposure.

This is particularly relevant in residential property insurance and can lead to the inability to file claims for damages that occur during that period. It's critical for property owners to be aware of these provisions in their insurance policy to avoid potential gaps in coverage.